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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,935 | $72,273-78.0% | $101,275-84.3% | $79,856-80.0% |
| Participation rate | 66.7% | 68.5%-1.8pp | 75.8%-9.1pp | 69.6%-3.0pp |
| Annual return | 5.90% | 22.30%-16.4pp | 46.48%-40.6pp | 31.71%-25.8pp |
| Employer contribution / active EE | $731 | $2,691-72.8% | $3,660-80.0% | $2,471-70.4% |
| Participant deferral / active EE | $2,002 | $3,282-39.0% | $4,371-54.2% | $3,741-46.5% |
| Admin fee / account holder | $2,142 | $4,401-51.3% | $5,948-64.0% | $5,306-59.6% |